When it comes to vacationing, most people focus on relaxing, sightseeing, and making memories—not on what could go wrong. But if you’re renting out your home or staying at someone else’s property, accidents can happen. That’s where Vacation Liability Insurance steps in.

At Riseson Insurance , we help residents in Tempe Tempe Tempe , Phoenix Phoenix Phoenix , Scottsdale Scottsdale Scottsdale , Tucson Tucson Tucson , Gilbert Gilbert Gilbert , and Chandler Chandler Chandler protect themselves and their assets while enjoying their time away from home.

Vacation liability is a type of coverage typically offered as part of a homeowner’s or renter’s insurance policy—especially when the property is used seasonally or for short-term rentals. It provides protection in case someone is injured on or around the vacation property you're responsible for.

Whether it’s a slip by the pool or a kitchen accident during a holiday rental, vacation liability helps cover medical expenses and legal fees if you’re found responsible.

Vacation Property Owners: If you own a second home or cabin that you rent out temporarily, vacation liability is a must. Short-Term Rental Hosts: Airbnb, Vrbo, and similar platforms have some protections—but they’re not foolproof. Renters on Vacation: Even if you don’t own the property, you could still be held responsible for damage or injury caused during your stay.

Bodily injury to guests or visitors Property damage caused by negligence Legal defense costs Medical payments for minor injuries, even without legal action

Example: A guest at your vacation rental trips on a loose tile and breaks their arm. Vacation liability can help cover their medical expenses and shield you from costly legal action.

Insurance needs can vary based on state regulations and property risks. That’s why working with a local agent like Riseson Insurance gives you an edge. We understand the unique needs of homeowners and renters in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler, and we’ll help tailor a policy to your lifestyle and risk exposure.

Adding vacation liability to your existing policy—or starting fresh with a new one—doesn’t have to be complicated. Let’s chat about your property, how you use it, and your exposure so we can find the right fit for you.

Enjoy Your Vacation—We’ll Handle the Risk

Don’t let a surprise ruin your retreat. Whether you’re an occasional host or frequent traveler, make sure your insurance keeps up with your lifestyle.

Reach out to Riseson Insurance in Tempe, Arizona to get a quote today, or call us directly at 602-460-5470. We’re your trusted local insurance agents serving all of Maricopa and Pima Counties.

What Is Vacation Liability Insurance?

Who Needs Vacation Liability Coverage?

What Does Vacation Liability Typically Cover?

Why Local Knowledge Matters

How to Get Started

• Vacation Property Owners: If you own a second home or cabin that you rent out temporarily, vacation liability is a must.
• Short-Term Rental Hosts: Airbnb, Vrbo, and similar platforms have some protections—but they’re not foolproof.
• Renters on Vacation: Even if you don’t own the property, you could still be held responsible for damage or injury caused during your stay.

• Bodily injury to guests or visitors
• Property damage caused by negligence
• Legal defense costs
• Medical payments for minor injuries, even without legal action